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3 THE TRUTH ABOUT TEXAS car truck and motorcycle ACCIDENT CASES Read this book to get information about the following topics: 1. e claims and lawsuit process; 2. Secrets the insurance companies don t want you to know; 3. Suggestions on how to hire the best attorney for your case; 4. What a personal injury attorney can do for you on your case; 5. Myths and truths about Car, Truck, and Motorcycle Accident cases; Brian Beckcom Attorney at Law Vujasinovic & Beckcom, P.L.L.C.

4 Copyright 2009 by Brian Beckom All rights reserved. No part of this book may be used or reproduced in any manner whatsoever without written permission of the author. Printed in the United States of America. ISBN: Word Association Publishers 205 5th Avenue Tarentum, PA

5 Introduction My wife and I are lucky to have a lot of friends and family. We are very close to our friends and family and spend a lot of time with them whenever we can. Most of them know that I am a personal injury trial attorney and represent only people who have been hurt or killed due to the negligence of others. Most of my friends and family also know that I make my living battling the insurance companies. One small downside to being known as a talented personal injury attorney is that I get a lot of questions at parties, family gatherings, and other events. People walk up to me all the time and ask me questions about the lawsuit process, dealing with the insurance companies, and how to get the best possible settlement for their case, their brother s case, their friend s case, etc. I end up spending a lot of time answering the same questions again and again. I love to help people, but at some point, I decided that answering the same questions again and again was not a very effective way to the get the information I know to the people I care about. At that point, I decided to write a book on the subject. 3

6 is book is the result. is book is not for lawyers or judges. is book is definitely not for the insurance companies or people who negligently injure or kill innocent people. I ve tried to get rid of all the complicated legal jargon lawyers use and just speak directly to consumers. So this book is exclusively for consumers. e idea behind this book is that it should be easy to read, helpful, direct, not filled with complicated legal jargon, and that it reveal the truth about Texas car, truck and motorcycle accident cases. What I ve tried to do in this book is answer the questions that I get the most. I m also trying to warn people about the tricks the insurance companies use to defeat legitimate claims. Most people assume that if they are hurt by someone else s negligence, that the insurance company will do the right thing and pay their claim. Nothing could be further from the truth. I see time and again innocent people injured by the careless acts of others get cheated, pressured, and abused by the insurance companies. And these are people with clear, legitimate, and serious personal injury cases. Frankly, the other reason I wrote this book is because I believe there are too many average or below average lawyers who claim to be good personal injury lawyers. You see, lawyers can advertise for any kind of case they want to handle. Nobody regulates whether they actually have experience handling the kind of cases that they advertise for. 4

7 For instance, an attorney could advertise for motorcycle accident cases even if that attorney has never handled a motorcycle accident case in their entire career! And, sadly, what happens sometimes is that lawyers who in my opinion are not very good at what they do end up convincing injured people who are vulnerable to hire that law firm because the person doesn t know any better. So the other thing I m trying to do in this book is help injured consumers determine how to hire the best attorney for their case. is book will give some very specific suggestions about how to hire an attorney for your case. 5

8 Important Disclaimer is book is not legal advice. When you file a lawsuit, you are basically entering a war zone. e insurance companies will do everything they can to fight tooth and nail to save every penny. If I accept your case we will enter this war together. is book, hopefully, will educate you for that process. But keep in mind, every case is different and I am not allowed nor am I giving legal advice in this book. What I can do is suggest things and identify traps that will hurt your case. I can reveal the tricks and traps the insurance companies use again and again to cheat injured people out of their legal rights. I can talk about what I ve seen in my many years of handling these cases. But what I won t do is offer anyone legal advice until I ve decided I want to represent them and they ve decided that they want me to be their attorney. If I agree to accept your case and you decide to hire my law firm to represent you, and we both agree in writing that I will be your attorney, you will get my honest, straightforward, and independent legal advice. But if we don t agree in writing that we will have an attorney client relationship, then I will not give you legal advice. 6

9 One more thing. I cannot guarantee that your case will be successful. No one can. But I can almost guarantee you that you will not waste your time reading this book. And I can almost guarantee you that you will know much more about the lawsuit process, insurance companies, and how to hire a good attorney a er you read this book than you knew before you read the book. 7

10 How Will This Book Help You? ank you for obtaining a copy of this book. You will be glad you did. e information in this book will help you avoid mistakes that too many people make when they are injured as a result of negligence. is book will also give you some secrets into the way the lawsuit process really works secrets that the insurance companies don t want you to know. Look, here s the simple truth. e insurance industry has billions of dollars and armies of lawyers to help with claims. You don t. As a result, the deck is stacked in their favor. Also, the insurance companies have developed tricks and traps that can hurt or completely ruin your case before you even know what happened. By publishing this book, I hope to level the playing field between consumers and insurance companies. I want you to have as much information as possible so you can handle your case and make decisions intelligently. I also want to make sure you don t hire the wrong attorney for your case. Frankly, in my opinion, there are too many average or below average lawyers practicing law, and too many of 8

11 them claim to know how to competently handle a serious personal injury case. So I m going to try to give you my thoughts on how to hire a good attorney for your case. 9

12 Who Are You, and Why Should I Listen To You? e first question that may be going through your mind is Who are you and why should I listen to what you have to say? Good question. And here s my answer. My name is Brian Beckcom. I am a Board-Certified Personal Injury Trial attorney. I don t represent insurance companies. In fact, I have dedicated my law practice to fighting the insurance companies and corporations. e lawyers at my firm have obtained more than $100,000, in settlements and verdicts.yes, you read that right. at s ONE HUNDRED MILLION DOLLARS. I focus my practice on accident, injury and wrongful death cases. I fight the insurance companies and negligent corporations on behalf of injured Texans and their families every single day. You can find out more about my law firm by visiting these websites: 10

13 Our law firm represents people in Texas, the Gulf Coast, Louisiana, Mississippi, Alabama, Florida, across the United States, and around the world. My firm s track record speaks for itself. You can read more about some of our cases on our firm websites. Our main office is in downtown Houston, Texas. However, we handle cases across Texas and the United States. We have even handled cases that occurred outside the United States. e Texas Bar allows me to tell clients that I am a specialist in Personal Injury Trial law because I have passed a special written test, handled enough personal injury and wrongful death cases, and have had other lawyers vouch for my experience and abilities. 11

14 Quick Tips Here are 15 Quick Tips that are explained in more detail later in the book. 1. e insurance company is not your friend. e insurance adjusters are trained to save the insurance companies money. ey take special classes, attend seminars, and learn how to trick you into hurting your case. e insurance adjusters are also trained to be very nice to you to make you believe that they are your friends. ey are not your friend. 2. Even if you think your case is clear cut, the insurance company doesn t think so. I have seen way too many cases where it seemed absolutely crystal clear that the other driver was at fault. Cases where there were witnesses that blame the other driver. But the insurance company still claimed that their driver was not responsible for the accident. Or they claimed that my client was either completely responsible or partially responsible for the accident. 3. Get medical care as soon as you can. Sometimes, people are involved a car, truck, or motorcycle accident and don t immediately have significant pain or problems. So they don t go to the doctor immediately. ey wait a few days. Well, a er a few days the pain gets severe and the person needs medical treatment and finally goes to see a doctor. e insurance companies use this delay against you, and try to make it seem like you weren t hurt in the accident. 12

15 4. Evidence and memories fade with time. What I mean by this is that the longer you wait to make a claim, the more likely it is that the evidence that will support your claim will be gone. Witnesses will forget, the cars will be repaired, and the insurance company will surely have begun trying to twist the claim around to help them and not you. 5. Honesty is the most important part of any case. I cannot emphasize this enough. You must be honest and tell the truth all the time. Not only because it s the right thing to do, but if you don t, you will seriously affect your case. You need to tell the truth to your attorney, to your doctors, and if you give a deposition, in your deposition. e bottom line here, and this may be the most important advice in this entire book, is to tell the truth. 6. All lawyers are not equal. In my opinion, there are some bad lawyers practicing law. ere are some very average lawyers practicing law. ere are lawyers who say they handle personal injury cases who really don t. ere are lawyers who claim to have decades of experience, but what they don t tell you is that experience is in small cases, not in big cases. 7. You don t always need an attorney. ere are lawyers who tell you you need an attorney in every case. I don t personally believe that. I think in a small straightforward case, you might be better off not hiring an attorney. If we don t think your case is big enough for us to handle, or if we believe you would get a better settlement handling it yourself, we will tell you that. 13

16 8. Just because you are in an accident does not mean you are going to get a million dollar settlement. In fact, unless the case is very, very serious, it is unlikely that you will get a million dollar settlement. Unfortunately, there are people out there who believe that if they are in an accident, they ve won the lottery. at s not true. And we won t represent you if you believe that you have won the lottery by getting in an accident. 9. Be careful relying on TV or yellow page advertisements when you hire an attorney. ere are some fantastic lawyers who advertise on TV and in the Yellow Page. But there are some lawyers who, in my opinion, are just not as good or as experienced. ere is no bar association that regulates what practice areas an attorney can advertise for. Lawyers cannot lie about their experience or expertise. However, they can advertise for cases that they don t handle themselves. So just because an attorney says I am aggressive or 40 years of combined experience doesn t mean they know what they re doing or that they are the best attorney for your case. 10. You do not and should not give a statement to the insurance company. e insurance company will try to convince you to give a recorded statement a er your accident. Don t do it. It will hurt your case. I ve seen it hundreds of times. e insurance adjuster is trying their best to convince you they are on your side. ey are not. ey want you to lose your case or pay less in settlement. Nothing requires you to give them a recorded statement and you should not give them a recorded statement. 14

17 CHAPTER 1 THE InsurAncE companies WAnT You To LosE Your case Far too o en, I see injured people mistreated by negligent corporations and by the insurance industry. It s really amazing what happens. e insurance companies step in a er people are hurt and take advantage of them, giving them bad advice and cheap settlements and basically lying about the value of their cases. It is a simple fact of life and one that our law firm has seen too many times. Someone is injured through no fault of his own, or a family member or loved one is killed because of the recklessness of another person. It is clear that the other person is at fault. At first, it seems like the insurance company or negligent individual will not fight the case and will pay a quick settlement. e insurance adjuster will ask the injured person to sign a few forms or give a recorded statement. e insurance person acts nice and promises that the proper party will accept fault. en, a er a while, the insurance company keeps asking for a bunch of information, forms, and paper. e adjuster stops calling back. e accident victim can t reach anyone or get any information from the company. 15

18 Sometimes, they will try to make the injured person sign something before receiving medical attention, a totally improper (and probably unethical) way of doing business. I have even seen cases in which insurance company employees go to the hospital a er someone is injured and try to get the injured person to sign papers giving away important legal rights while that person is laying in his hospital bed. Even if the injured person can convince the insurance company to provide medical care, o en it will just be a quick exam by a insurance doctor who will say the injury is a bruise or blister or some other minor issue. e insurance doctor will then give the injured person some over-the-counter medication and say that the injured person will be fine. In more serious cases, some insurance companies will offer to provide immediate medical care. But they will provide the care through an insurance company medical facility using company doctors. It s really amazing. ere are medical facilities that basically do nothing but provide services for insurance companies and big corporations. ey make hundreds of thousands or even millions of dollars off these companies. 16

19 Question: If the medical facility is making hundreds of thousands of dollars or even millions of dollars off the insurance companies, whose best interest are they going to put first: yours, or that of the insurance companies? is does not mean these medical facilities are dishonest or that the doctors are lying. However, medicine can be an art as well as a science, which means there are gray areas in medicine. If your case is a close call and the choice is between saving the company money or providing a complete and full medical workup and follow-up care to you, many of these facilities are going to lean towards saving the company money. Once the insurance company gets this report from the doctor, even if you re not ready to be released from medical treatment, the company will pester you and bug you and bother you and call you and write you and demand that you stop getting medical care or go back to work. When you are still hurting, if your medical care is terminated, you may not have the money or resources to get additional care, which may cause your injury to get worse or prevent you from healing quickly. at s why you want to make sure you are completely healed and better for your own health and the safety of anyone whom you may be working with. 17

20 But if you don t return to work, you may get fired from your job. e company may say you quit by not coming back to work. Or the company may say you walked off the job because you didn t come back. at s why the insurance companies will delay your case and come up with various excuses not to pay a reasonable settlement. e insurance company knows that the longer it delays the case, the more pressure it puts on you and your family. 18

21 CHAPTER 2 DEBunKInG THE myths ABouT InJurY & AccIDEnT claims Myths about Injury & Accident Claims ere are a number of common myths about injury and accident cases, including the following: All lawyers can handle a Car, Truck, or Motorcycle Accident Case e Bar Association determines whether an attorney can advertise as an Accident or Injury attorney All lawyers have the experience and resources to win injury and accident cases All lawyers have basically the same experience an attorney who is good at divorce cases or DWI cases will be good at injury and accident cases an attorney who advertises for injury or accident cases must know how to handle injury and accident cases If you are injured, you are required to give a statement to the insurance company 19

22 If you are hurt, you must go to insurance company doctors if you want to be paid a fair settlement It really doesn t matter who you hire as your attorney if you have a good case You should take the insurance company s first settlement offer You don t need an experienced attorney to negotiate with the insurance company and get a fair settlement 20

23 The Truth about Injury & Accident Claims Not all lawyers have the same training or experience. In fact, most lawyers do not work on Car, Truck, or Motorcycle Accident cases, and only a tiny percentage of those attorneys are Board Certified in Personal Injury Law. e bar association does not determine whether an attorney can advertise for injury or accident or wrongful death cases. While bar associations will not let lawyers blatantly lie about their experience or qualifications, attorneys can advertise for injury or accident cases whether they have worked on thousands of these cases or none of them. It matters who you hire as your attorney. Many attorneys do not have the experience and resources to obtain the best settlement in significant injury or accident cases. It takes money, sometimes a lot of money, to fight the insurance company and get a good settlement. It also takes experience and dedication. You may know the best divorce attorney or DWI attorney or criminal attorney in the country, yet that attorney may know nothing at all about injury cases. You need to find the right attorney for your case.you would not hire a brain surgeon if you had a broken arm. Why would you hire a criminal attorney for a personal injury or wrongful death case? Just because an attorney can handle a DWI case or a di- 21

24 vorce case does not mean she knows anything at all about car, truck, or motorcycle accident cases. In fact, an attorney who is really good at DWI or divorce cases (or some other type of case) may not have a lot of experience handling injury or accident cases. an attorney can advertise for whatever type of case he or she wants. However, just because an attorney advertises for a specific type of case does not mean he or she knows how to handle that type of case. You do not have to give a recorded statement. YOU SHOULD NOT GIVE A RECORDED STATEMENT WITHOUT TALKING TO an attorney FIRST. Anyone who says you are required to give a statement does not know what he is talking about. Either they don t know what they are talking about or they are trying to trick you. You are not required to go to insurance doctors.you can go to a doctor of your choosing. Anyone who says you are required to get medical treatment from company doctors does not know what she is talking about or is trying to trick you. Especially in big or important cases, it matters who you hire as your attorney. You should almost NEVER take the insurance com- 22

25 pany s first settlement offer. You are being really dumb if you jump at the first settlement offer because the insurance company almost NEVER makes its best offer first. If you choose to hire an attorney, for an accident case, you need to hire one who knows what he or she is doing, not the attorney who wrote got your buddy out of jail or who shoutest the loudest on TV commercials. If you have an injury or accident case, you should consider hiring a Board Certified Personal Injury Trial Attorney. 23

26 CHAPTER 3 Arm YoursELF WITH InFormATIon If You Are injured, e Insurance company Has All the power When you are injured due to someone else s negligence or recklessness, you are in a position of weakness. ink about it. You ve got medical bills to pay. You ve got to figure out what to do with your job, how to make ends meet, how to take care of your family. e negligent person doesn t have these concerns. And the negligent person probably has an insurance company working for him to help defend him against you! e insurance company will see hundreds of injury claims each year, maybe even thousands of injury claims. e insurance company will have adjusters whose only job is to save the insurance company money and defeat claims by injured people. ese adjusters are very good at what they do. Most experienced adjusters will have handled hundreds or thousands of claims. ey will know how to trick the injured person into doing something that hurts his or her case. ey will know how to make it seem like they are your best friends or have your best interest at heart. 24

27 e adjusters are not your best friend and do not have your best interest at heart. at s why they work for insurance companies they have the companies best interests at heart. e insurance company may also hire outside lawyers. ose lawyers will probably have some expertise or experience handling and defeating claims by injured people. Otherwise, the company wouldn t hire the lawyers to begin with. So you will be up against the negligent person or company, the insurance company and all its resources, and a team of defense attorneys who specialize in beating claims by injured people. Kind of a Tough situation, Isn t It?? Compare all this with your situation. If you are hurt by someone else s negligence, this is probably the first time you ve ever been in such a situation. You won t have the experience or resources that the insurance company or its lawyers have in such cases. So you start off your injury case with what amounts to an entire army working against you. Add to all this the fact that you may have difficulty making ends meet because of your injury, and you may have lots of bills to pay, and the end result is the following: 25

28 e deck is stacked against you when you are injured by someone s negligence. So what do you do? Is there any way to level the playing field? Or is all lost and you should just take what they offer the first time they offer it? Are you guaranteed to lose your case??? (go to the next page to find the answer) 26

29 No! 27

30 You can Win Your case But You must Level the playing Field by Arming Yourself with Information e bad news is that when you are hurt in a Car, Truck, or Motorcycle accident, you face an army of insurance people, lawyers, and investigators who have one goal and one goal only to make sure that you don t recover a dime or that whatever you recover is tiny and insignificant. e good news is that you can level the playing field by arming yourself with information. Have You Ever Heard the phrase, Information is power? Well, it s true. Information really is power. Especially if you are injured, it s critically important that you obtain as much information as you can about the following: Your injury How to get better Which doctors to see Whether to see a specialist What your rights are under Texas Law Whether you need an attorney How to find an attorney How to make sure to hire the right attorney How much your case is really worth Tricks the companies use against you And many other issues too numerous to list here. 28

31 so, How Do You Find is Information, Level e playing Field, And Win Your case? At this point, you are probably asking, that s great, getting information and all, but how do I arm myself with information, and where do I get the information I need? If you re asking that question, then this next section is for you. WHAT To Do FIrsT: BEGIn GATHErInG InFormATIon Once upon a time, the only way you could get any information about your legal rights was by talking to an attorney, and that meant paying money, sometimes a lot of money. Well, that s not true anymore. Now, you can find a lot of information about your legal rights without leaving your house! e internet has made it possible for everyone with a computer (or access to a computer) and an internet connection (or access to an Internet connection) to get basic information about legal rights. On the internet, you can find websites devoted exclusively to Injury & Accident Law. For example, you can go to our firm website, and get alot of useful information about the legal process. 29

32 You can find websites that will answer Frequently Asked Questions about injury and accident cases, or legal cases in general, and there is a chance your question may be answered. You can visit other legal sites too. Remember, it is important not to trust everything you read on the internet, just like you wouldn t believe everything you read or see on TV. In fact, some of the information may be wrong or false. But the internet can be a very valuable source for gathering basic information about your case. You can also visit law libraries, most of the time FOR FREE. If there is a law school in your area, chances are really good that there will be a law library available for public use, particularly if the law library is attached to a public law school. And if you have a courthouse where you live or close by, you will probably have access to the courthouse library, which, again, will provide free legal information for you along with librarians to help you with your legal search. WHAT To Do next: FInD ATTornEYs To InTErVIEW A er you ve done some basic research on your legal problem, start interviewing attorneys. 30

33 Why should you interview an attorney if you haven t even decided whether you want to hire an attorney? Simple because it s free. Most attorneys will listen to you and meet with you either in person or on the telephone for an initial free consultation. Since talking to an attorney is free, why wouldn t you take advantage of this service? A er all, the company has its own attorneys and insurance adjusters shouldn t you?? How do you find attorneys? ere are a lot of different places where you can find attorneys who specialize or have a lot of experience in car, truck, or motorcycle accident cases. e following are just a few suggestions: 1. e internet (but remember just because the attorney says he or she does Texas Car, Truck, or Motorcycle Accident cases doesn t mean it s true. 2. e Yellow Pages (but the same thing applies the attorney may be advertising for these types of cases but not know anything at all about them) 3. Do you know any lawyers in your area? If so, ask them. ey may not know much about car or truck or motorcycle accident cases, but they may be able to refer you to an attorney who does. 31

34 5. Friends & Family. Your friends may be able to recommend really good experienced lawyers, especially if they have had similar problems or, even more importantly, they may be able to tell you which lawyers NOT TO HIRE! THE next step: InTErVIEW THE ATTornEYs, AnD Don T BE AFrAID To AsK THEm QuEsTIons Probably one of the worst mistakes you can make is to hire the first attorney you interview, unless you are positive that they are the attorney for you. is would be like working for the first company that ever offered you a job or marrying the first person you ever dated. While it may work out, you may be better off talking to more than one attorney before deciding which one you want to hire a er all, if you only talk to one attorney or law firm, you won t know what other attorneys have to offer you. e best and most experienced attorneys who handle Car, Truck, and Motorcycle Accident cases will have people lining up at their door to hire them. ese lawyers will be very selective about the cases they accept and the people they represent. If it s too easy to get an immediate appointment with the attorney you are thinking about hiring, ask yourself, Why? Maybe that attorney doesn t have much else to do? 32

35 Once you get an appointment with an attorney, you should ask questions. Lots of them. Good lawyers will not be insulted by questions. ey will most likely encourage you to ask as many questions as you want. Most of the best lawyers will want you to educate yourself during the hiring process. Any attorney who seems to discourage your questions or doesn t answer them in a straightforward, no-nonsense way should raise red flags. A er all, the good lawyers consider it their job to keep you informed and educated and comfortable during the entire process. Here are some questions to ask an attorney you are thinking about hiring for an injury case: 1. How long have you been in practice? 2. Do you have any experience handling a case like mine? 3. Can you give me a list of your past results or past cases? 4. Have you ever published any articles about cases like mine? 5. Have you ever had a case against the same company that was negligent in my case? 33

Consumer Awareness How to Keep From Getting Ripped Off by Big Insurance Provided as an educational service by: Anthony D. Castelli, Esq. Concentration in Auto and Work Related Injuries (513) 621-2345 ATTENTION!!!

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How to Determine the value of a personal injury case What is Your Car Accident Case Really Worth? By James Ferrell Ferrell Law Firm 901-754-1340 ph 901-881-6354 fax Ferrell Law Firm Phone: 901-754-1340

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You and Your Lawyer Public Legal Education and Information Service of New Brunswick Public Legal Education and Information Service of New Brunswick (PLEIS-NB) is a non-profit charitable organization. Its

Do You Have a Case? Truck Accident ebooklet Andrew Miller 201 South 3rd Street Logansport, IN 46947 P: (574) 722-6676 www.starrausten.com Disclaimer No attempt is made to establish an attorney-client relationship

David Crum, Esq. Managing Partner New Mexico Legal Group, P.C. ABOUT THE AUTHOR David Crum, Esq. David Crum is the Managing Partner of New Mexico Legal Group, P.C., an Albuquerque-based criminal defense

Hiring a personal injury attorney is a big decision, but it is one most people are glad they made. When you are injured in an accident, so many things become uncertain. Not only are you faced with a physical

WHAT IS THE LAW SURROUNDING CAR ACCIDENTS? How Does The Law Determine Who s At Fault? When determining fault, there is no one answer that covers all scenarios. Accidents produce and are produced by many

Seven Things You Must Know Before Hiring a Real Estate Agent Seven Things To Know Before Hiring a Real Estate Agent Copyright All Rights Reserved 1 Introduction Selling a home can be one of the most stressful

ORAL SODIUM PHOSPHATE: WHAT YOU NEED TO KNOW ABOUT THEM 1 To prepare for medical procedures such as a colonoscopy, doctors would advise their patients to use an oral sodium phosphate product to clear out

UNDERSTANDING YOUR PROPERTY DAMAGE CLAIM A LET US EMPOWER YOU This brochure will empower you with the knowledge and tools necessary to complete your own property damage claim. One of the biggest inconveniences

Seven Things You Must Know Before Hiring a Real Estate Agent 1 Introduction Selling a home can be one of the most stressful situations of your life. Whether you re upsizing, downsizing, moving across the

Reptile Theory: A Tail of Two Reptiles Julia B. Semenak If phrases like safety rules and community safety sound familiar, you have likely encountered a plaintiff s lawyer using the strategies set forth

Chapter 4 Legal Ethics Yes. You read that right legal ethics. Har de har. Go ahead. Get it out of your system. How about this one? Why do scientists prefer using lawyers over lab rats? There are some things

20 Essential Legal Tips to Know Before You Hire a Lawyer Ken LaMance, Attorney at Law Copyright 2000-2010 All Rights Reserved Contents Do I need a Lawyer? 1. Define your problem carefully before considering

WHAT SHOULD I DO IF I HAVE AN AUTO ACCIDENT? 1. If I have an auto accident, do I have to stop? 2. What should I do if someone is injured? 3. How can I get help? 4. What information should I gather at the

TESTOSTERONE REPLACEMENT THERAPY: WHAT YOU NEED TO KNOW ABOUT IT 1 As men get older, their doctors prescribe drugs to replace low testosterone levels in their bodies known as hypogonadism, or more commonly